medical insurance?
I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California. i am self employed- First off, I am a Health Insurance agent right here in Ca. Quote for a Male 21, Orange Co. Some ideas: HSA PPO Plans, these are high deductible plans, Excellent for anyone Self Employed - lots of tax advantages, perfect for someone who needs a long term strategy to contain healthcare costs. Learn more at HSAInside.com 1. Health Net HSA 4000. $39. 00 per month 2. Blue Shield of Ca HSA 4000. $42. 00 """ 3. Aetna HSA 3000 $49. 00"" 4. Blue Cross of Ca HSA 3500 $53. 00"" PPO Plans - These are very popular and offer no deductible. 1. Health Net 50copay no Ded Gen. RX $57. 00 2. Blue Cross of Ca 40copay no Ded Gen RX $74. 00 a Top Seller 3. Blue Shield of Ca. 35copay no Ded RX $78. 00 a Top Seller HMO Plans 1. Blue Cross of Ca. $25. copay $144. 00 per month 2. Health Net 40 copay $197. 00 "" 3. Blue Shield of Ca. $35 copay $202. 00 per month ============== This will give you some ideas on premiums available, literally about 100 plans to pick from. To learn more visit my site at HealthCareman.com or feel free to call me directly at 1 800 459 0515. I would encourage everyone shopping healthcare to read as much as possible about plans, and about Medical Underwriting. Paul Zane has a few books out that are very good, remember lots of things to consider when purchasing healthcare. 1. Does the plan have any exclusions? ie. Maternity, Brand RX, Diagnostics at a Hospital 2. Max. out of pocket? If I go into the Hospital today and it is within the network of providers what would the maximum out of my pocket in one year? 3. What are you needs? Just between jobs, your needs are short term Self Employed? Tax savings, long term strategy is needed Employer does not offer a health plan? want comprehensive coverage Lots to consider when purchasing a plan, remember a few important things: a. Do not cancel current coverage until you have been approved in writing! b. Please note: Individual and Family plans not through an employer are Medically Underwritten. This means that based on Medical conditions you may or may not be offered coverage, or you maybe rated higher because of medications ET. c. Cobra is not medically underwritten d. If you have been declined in Ca. you are qualified for Ca. Major Risk e. If you have children under 19, in Ca. Healthy Families offers a plan for $20. 00 per month for Middle income parents Remember it is your health, so do the research I recommend purchasing a plan from a big reputable healthcare corporation. In todays environment lots of companies are offering "Fee Schedule" programs, these are terrible for the consumer, and are marketed by folks who want to make profit. Also please do not purchase a Medical Discount Card as a alternative to Health Insurance, these do not pay out anything
- If you are a student, and one or both of your parents work and have benefits, you can get on their plan. at least until a certain age, typically 24. If that's not an option for you, your school probably has a low - cost health plan available for students. If you are working full - time and your employer offers benefits, get your health insurance from that source. You're not likely to find anything cheaper, even if you have to pay part of the premium yourself. If you need to purchase individual coverage, at 21, and uming that you can qualify medically, you should be able to get a very compe ive premium from any of the "majors": Blue Cross, Blue Shield, HealthNet, Nationwide, to name a few. Rather than get random quotes here, I suggest that you ask around to find out who the most reputable and competent health insurance agents are in your city, town, or general area. You will not find a better "quote" between health agents or agencies. What will determine good value will be designing the right coverage for you - your particular situation and budget. So, you want a good agent to help you, one that is an independent broker who can represent several good carriers, including the "majors" mentioned above. I'd look for someone that has specialized in health insurance and has been in business for at least 5 years. Good luck
- Are you self - employed? You may want to look at a co - op set up within your industry if so. These can be accessed by joining ociations for your line of work. Just be sure you check the ociation thoroughly to make sure they're on the up - and - up. If you're employed BY someone, then it's going to be cheaper there. There's not an individual or co - op on the planet that's cheaper than a group policy. It's all about buying power. The best you can hope to do for a reasonable rate if you HAVE to go individual is try to buy what we in the industry call a 'catastrophic policy'. These plans are very high deductible but they make sure you do not lose everything you own if you have a catastrophic accident or illness. These are the lowest premium plans you can find. In conclusion, I seriously suggest that you not even bother with an individual plan if you can find any other way. I have been in the business a long time and I will be blunt in saying that there are almost no benefits to having an individual policy. It will hit your wallet, it will affect how you're treated by your carrier, and it will make you count the days until your policy is over
- You need to initiate the need for insurance. A posting here will get you nowhere. Look in the phone book or ask around for references
- You can visit my website at hsasale.com / index.php?pr=Free_HSA_Quote and fill out the form for a free quote. Since you are in good health, I think a High Deductible Health Plan would be a great option for you. You will have much lower premiums than with traditional insurance and you will be able to save for retirement at the same time with an accompanying HSA account. You can also call me at 888 - 245 - 0583 for a quote or I can answer any questions you have
- My job offers it
- The best way to get medical insurance is through your employer. You're young and healthy but you may drive a car fast and have an accident so that's going to add to the cost. Medical insurance is expensive for adequate coverage. On the other hand you could just shop around for catastrophic coverage which would have a very high deductible but chances are you would not use it. unless you're driving your car fast and have a dibilitating accident. Good Luck!
Knowledge Base
Do Medical Insurance Companies play God?
my younger sister and i work for the same fortune 500 company. we have the same medical insurance partially subsidized by our employer. our share is taken from our pay check bi. do not rely only on 1 company. insurance - urance.com / . it would seem like they are (medical schools)
I have severe depression and social anxiety but no medical insurance, any ideas on how I can get back on meds?
i would like to get back on meds and get better but it's nearly impossible considering my situation. currently i am a college student with a very low income who doesn't have medical insurance. i just recently switched jobs so i would not be able to get medical insurance through (medical billing software)
Is medical istant school worth my money?
iam in orlando fl, i want to be a rn is it a good idea to attend a 8 month / $10, 000 ma program everest university first? my friends tell me iam wasting my money beause mas do not make anything but i think this would be agood way (private medical insurance)
Knowledge Base: Medical Insurance
does anyone know where to get a cheap medical insurance for spouse?
my wife cannot be on medical from work because it's really expensive to add a spouse. so we're thinking of having our own individual insurance. if your group health plan is under $250 a month for her, that is worth it. you will not get anything less than that for (medical insurance quote)
Getting life insurance without no medical exam?
i am over 60 and i need life insurance but i do not want a medical exam. i just want something to pay my funeral so my kids will not have to suffer from the cost. is global life insurance good or is there aything else out there that i (individual medical insurance)
When can someone with a preexsisting condition get medical insurance?
my daughter is disabled and they will be cutting her medicaid in august because i make too much money. i only make about $3000 a month. her medical supplies and meds are around $1000 or more a month without insurance. i really can not go down to park time because (self employed medical insurance)
How do you find short term medical insurance coverage for approximately 6 months until medicare kicks in?
there is no such thing as short term medical insurance. the premiums are based on an annual period and usually paid monthly. all you have to do is take the insurance and cancel it after 6 months. contact a local independent insurance agent to suggest a good policy for someone (medical insurance quote)
Financial istance for medical bills when the individual has no insurance?
my boyfriend is 19 years old. he works at a facility that doesn't offer medical insurance and had never gotten around to getting any elsewhere. he was recently hospitalized with appendicitis and ended up having his appendix removed in an emergency surgery. the bills that he has received from this (private medical insurance)
Knowledge Base: Medical Insurance Quote
Why did Blue Cross Say I can not buy medical insurance for my daughter who is in therapy for anxiety?
my husband might be laid - off soon. after cobra runs - out, we'd need to buy medical insurance. i called blue cross for a quote and they said they would not provide any medical coverage for my 14 - year old daughter who sees a psychiatrist for anxiety and (medical insurance quote)
Is it possible to get sensibly priced insurance for a 84 year old man cruising on a ship with medical staff?
i am thinking of a nile cruise. the boat apparently has a fully equipped clinic, an md and two qualified nurses. i can not get an insurance quote from anyone so far. have you tried saga or age concern ? saga.co.uk / insurance / travel - insurance / ageconcern.org. uk (medical insurance quote)
medical insurance?
i am looking to obtain a medical insurance policy. any insurance brokers out there want to quote me? i am 21 years old. i have excellent health. 6 foot 160 llbs. 92630 zip code. california. i am self employed. my job offers it. the best way to get medical insurance (medical insurance quote)
When can someone with a preexsisting condition get medical insurance?
my daughter is disabled and they will be cutting her medicaid in august because i make too much money. i only make about $3000 a month. her medical supplies and meds are around $1000 or more a month without insurance. i really can not go down to park time because (medical insurance quote)
Where do I start with medical insurance?
i work at a small real estate comany as an office administrator, and no health insurance is offered. honestly, i do not make enough to afford most of the plans i have looked into. on top of that, i have the insurance agents calling me non stop everytime i visit (medical insurance quote)
